Credit Risk Manager

Bank of America

. Provide independent credit risk oversight for Bank of America's Real Estate Structured Finance business across the United States and EMEA .

Posted 9/22/2026full-timeUnited StatesSeniorLead💰 $104,300 - $183,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, including credit underwriting, portfolio management, and regulatory compliance, with a strong ability to evaluate complex transactions and mitigate risks. Proven skills in financial modeling, relationship management, and effective communication with senior stakeholders.

Highest-signal resume keywords

Credit Risk ManagementCommercial Real Estate UnderwritingFinancial ModelingCMBS and SASB TransactionsProject Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingRisk Mitigation StrategiesCash Flow ForecastingDebt SizingValuation AnalysisPerformance MonitoringLoss ForecastingRisk Rating MethodologiesRegulatory CompliancePortfolio Management

Soft Skills

Relationship ManagementInfluencing SkillsProblem-SolvingExecution CapabilitiesProfessional Maturity

Tools & Technologies

Microsoft ExcelMicrosoft WordMicrosoft PowerPointAdobe AcrobatAnalytical Tools

Industry Keywords

Real EstateStructured FinanceCommercial Real Estate LendingCredit Risk OversightTransaction Structuring

About the role

Key responsibilities & impact

Provide independent credit risk oversight for Bank of America's Real Estate Structured Finance business across the United States and EMEA
Evaluate and approve credit opportunities and financing requests originated by U.S. and EMEA Real Estate Structured Finance teams
Provide guidance on transaction structuring, identify and mitigate risks, and ensure compliance with internal policies and regulatory expectations
Manage risk parameters, guardrails, risk appetite, limits, and risk scenarios
Oversee credit approval processes, underwriting, structuring, monitoring, portfolio performance, and asset quality
Conduct credit risk analysis and develop reporting for products and senior management
Monitor credit quality indicators, industry risk governance, and operational, reputational, and market risk issues
Identify portfolio risks early and coordinate issue resolution with business counterparts
Partner with Relationship Managers and Credit Product Specialists on new business opportunities and transaction lifecycle activities
Maintain oversight of an assigned loan portfolio, including asset performance, market developments, underwriting trends, and emerging risks
Prepare and present Quarterly Portfolio Review materials covering market conditions, portfolio performance, asset quality, country risk, and portfolio metrics
Assess credit, market, counterparty, operational, legal, and reputational risks
Provide policy interpretation and guidance on internal credit standards and regulatory expectations
Collaborate with Front Line Units and Market Risk, Counterparty Risk, Legal, Credit Review, Appraisal, Compliance, and other control functions
Review third-party-originated loans for CMBS transactions and participate in B-piece investor due diligence
Review and approve risk retention structures for CMBS and SASB transactions
Lead or support policy enhancements, Operational Excellence programs, MRA remediation, market studies, and special projects
Mentor and advise RESF team members on transaction risks, underwriting, and risk mitigation
Develop relationships with business partners, provide credible risk challenge, and support responsible business growth
Interact frequently with senior leaders across Global Risk, Front Line Units, and enterprise partners

Requirements

What you’ll need

Bachelor's degree in Real Estate, Finance, Accounting, Economics, Business Administration, or a related discipline; equivalent education and relevant professional experience will also be considered
Minimum of 10 years of progressive experience in commercial real estate lending, underwriting, credit risk management, or structured finance
Significant exposure to complex institutional real estate transactions
Experience with CMBS, SASB, and structured finance transactions is strongly preferred
Expertise in commercial real estate credit underwriting
Strong financial modeling and analytical skills, including cash flow forecasting, debt sizing, stress testing, valuation analysis, sensitivity analysis, and performance monitoring
Extensive knowledge of credit risk management principles, regulatory expectations, risk appetite frameworks, credit policies, portfolio management practices, risk rating methodologies, and loss forecasting concepts
Ability to independently evaluate and approve complex credit transactions, identify emerging risks, challenge assumptions, and develop risk mitigation strategies
Ability to manage a high-volume transaction pipeline and competing priorities
Ability to lead multiple concurrent initiatives
Strong project management, problem-solving, and execution capabilities
Excellent relationship management and influencing skills
Ability to communicate complex financial and risk concepts to senior management, risk committees, and stakeholders
High degree of professional maturity, accountability, and independent judgment
Advanced proficiency in Microsoft Excel, Word, and PowerPoint
Experience using Adobe Acrobat and other analytical and reporting tools
Ability to work first shift in the United States of America, 40 hours per week

Benefits

Comp & perks

Discretionary incentive eligible; eligible to participate in the annual discretionary plan
Benefits eligible
Access to paid time off
Resources and support for employees
In-office culture supporting collaboration, engagement, and career development
Opportunities to learn, grow, and make an impact